Podcasts about fees

The UK has announced a ban on under-16s using social media. Jake and Damian's reaction is immediate: the ban is right, but it cannot do the job alone. In this episode they go back into the archive to hear from the people who saw this coming.Jonathan Haidt on the phone-based childhood we built without realising what we were dismantling. Johann Hari on the 10,000 engineers paid to undermine your self-control. Alex Greenwood on the body image spiral that started at 15. And the guys talk Liam Lawson, whose episode drops Monday, on what happens when your phone explodes and the world turns on you overnight.Jake shares the Ofcom data that should stop every parent in their tracks and Damian reads a message from Daisy Greenwell, co-founder of Smartphone Free Childhood, the grassroots movement that helped make today's law happen.Listen to the full episodes:Jonathan Haidt https://pod.fo/e/2a4563Johann Hari https://pod.fo/e/267393 Alex Greenwood https://pod.fo/e/30cbd0Thanks to our partners:Revolut Business

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(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Earn Points on Bills00:17 Intro and Offers01:16 Meet Matt Baker03:01 What Is PayRewards06:28 How Payments Work08:19 Fees and Point Stacking11:03 Allowed Payments Rules13:47 Contractors and Payroll15:24 International Payments Roadmap16:31 More High Spend Use Cases19:40 Why B2B Card Acceptance Is Low23:44 Transfer Partners and Redemptions27:30 Custom Concierge Redemptions29:53 How to Get Started30:55 EIN Requirement and Wrap UpYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Matt Baker / PayRewards at:➤ Website: https://payrewards.com/➤ LinkedIn: https://www.linkedin.com/company/payrewards➤ Matt's LinkedIn: https://www.linkedin.com/in/matt-baker-1325914Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Amazon can take a shocking cut of your revenue before you even count product cost, shipping, and overhead, and that reality is forcing sellers to get far more disciplined about inventory and profit. We sit down with returning guest Chelsea Cohen to talk about what she's learned as SoStocked moves through acquisitions and into a larger corporate ecosystem, and why that shift makes real-time visibility into fees, forecasting, and unit economics even more important for day-to-day decisions.We get specific about the hidden margin killers that sneak up on Amazon FBA brands: storage fees, aged inventory fees, capacity constraints, and mismeasured products that land in the wrong FBA fee tier. Chelsea shares how smart sellers build a regular overstock plan, move slow inventory without panic, and think in contribution margin terms so they can spot which SKUs are quietly draining cash. We also talk through the pricing trap, why raising prices doesn't always work, and how to weigh profit dollars against the workload and complexity that come with higher volume at thinner margins.On the tactical side, we cover wasted ad spend audits, negative keywords, reimbursement opportunities (including AWD mistakes), and how Amazon Warehousing and Distribution can help with inbound and capacity when used as a lever instead of a full dependency. We close by looking at how AI is starting to move from “answer my question” to “recommend my next action” in inventory management, plus what needs to be in place so sellers can trust the numbers. If you got value from this, subscribe, share it with a seller friend, and leave a review telling us which fee or profit leak you're auditing first.Ready to scale your Amazon business? Click here to book a strategy call. https://calendly.com/firingtheman/amazon Support the show

Show Notes Your fee schedule is a revenue ceiling. And for most independent practices doing over $3 million a year, that ceiling is set too low in ways that never generate a denial and never appear on a standard report. EP186 covers the five gaps that are quietly capping your revenue, the exact fix for each one, and three actions to run this week. Gap 1 — Billing Below Your Own Allowables: You negotiate a better payer contract. The billing system does not get updated. The payer pays what you billed, not what you are owed. A practice with 20 high-volume CPT codes averaging a $10 billing gap across 800 monthly claims is losing $8,000 a month, $96,000 a year, from a contract they already won. Gap 2 — Inconsistent Fee Schedules Across Locations: A secondary location runs on its legacy fee schedule from before acquisition. Location A bills $210 for a procedure. Location B bills $165 for the same code. A site doing 400 visits a month with a $35 average billing gap is under-billing $14,000 a month, $168,000 a year. Gap 3 — No Medicare Multiplier Anchor: Fees set by instinct drift downward every year while costs move in the opposite direction. The fix: anchor to 200–300% of the current Medicare allowable and recalculate every November when CMS publishes updated rates. Gap 4 — Suppressing Global Fees for Self-Pay Patients: A practice protecting 15% self-pay volume by keeping fees low inadvertently discounts 100% of encounters. 850 commercial patients billed $40 below the correct rate: $34,000 a month, $408,000 a year. The fix: raise the global fee schedule and implement a separate documented sliding fee scale for uninsured patients. Gap 5 — No Annual Fee Schedule Review: A fee schedule that is right in year one becomes the revenue leak of year five. A $4 million practice drifting 3% below where it should be loses $120,000 a year in collectible revenue. Over five years: $600,000. The Five Fee Schedule Gaps at a Glance: Billing below allowable → Payer pays billed charge, no alert → up to $8K/month Location fee inconsistency → Lower site appears compliant on reports → $3K–$15K/month No Medicare multiplier anchor → Fees drift, no logical update trigger → Compounds annually Artificially low global fee → Self-pay policy masks commercial discount loss → $5K–$20K/month No annual review → Costs rise, billed charges flat → 3–5% margin erosion per year Three actions this week: Run the top-20 CPT code comparison — billed charge vs. highest commercial contract allowable Anchor your fee schedule to the Medicare multiplier — recalculate for this year Put the annual fee schedule review on the Q4 calendar today — first week of November, billing manager named as owner Episode breakdown: 00:00 The fee schedule is a revenue ceiling 02:30 Why silence in billing costs more than denials 05:00 Gap 1: Billing below your own allowables 09:00 Gap 2: Inconsistent fee schedules across locations 13:00 Gap 3: No Medicare multiplier anchor 17:00 Gap 4: Suppressing global fees for self-pay patients 21:30 Gap 5: No annual fee schedule review 25:00 Three actions this week 29:00 Free resource + EP187 tease Resources Mentioned NEW LEAD MAGNET  Primary resource this episode: 30-Day Revenue Recovery Plan. Payment Posting Audit Checklist is tertiary. 30-Day Revenue Recovery Plan (free): eligibility.natrevmd.com/nrc/-30day-revenue-recovery-plan Book a free 30-minute call: calendly.com/heather-natrevmd Practice Revenue Leak Scorecard (free): eligibility.natrevmd.com/nrm-revenue-scorecard-v3 Payment Posting Audit Checklist (tertiary): eligibility.natrevmd.com/payment-posting-checklist CMS Medicare Physician Fee Schedule: cms.gov (updated annually each November) 

Melissa Nash was once a burned-out new agent working open houses on weekends and missing her kids' events. She pivoted to working with investors, developed a system to help them buy rental properties thousands of miles away without leaving her home, and has generated more than $500 million in referral fees over twelve years. Melissa also built a seven-figure personal portfolio, helped three of her children purchase rental properties before age 18, and now teaches agents nationwide The Lazy Agent System—a strategy for earning $4,000 to $15,000 referral fees per deal by helping investors buy new construction and rental properties out of state.In this episode we discuss how real estate agents can earn up to $15,000 in referral commissions by working with investors who invest out of state. Melissa explains the benefits of partnering with real estate investors, how The Lazy Agent System works, and why focusing on investor clients can provide consistent income while helping renters and buyers achieve their goals.You Can Find Melissa @:The Lazy Agent WAITLIST: https://hellomelissanash.myflodesk.com/remotecommissionInstagram: https://www.instagram.com/themelissanash/

Kevin Rowlands, Editor of the Royal United Services Institute Journal, outlines the steps to make the Strait of Hormuz safe for shipping after a US-Iran ceasefire deal was reached.

Check out BeerBiceps SkillHouse Courses Here - https://linktr.ee/bbskillhouseFor all BeerBiceps vlog content Watch Life Of BeerBiceps - https://www.youtube.com/@LifeOfBeerBicepsCheck out my Mind Performance app: Level SuperMindLink:- https://app.level.game/?c=zSbmYnShare your guest suggestions hereMail - connect@beerbiceps.comLink - https://forms.gle/aoMHY9EE3Cg3Tqdx9Join the Level Community Here:https://linktr.ee/levelsupermindcommunityFollow BeerBiceps SkillHouse's Social Media Handles:YouTube: https://www.youtube.com/@BeerBicepsSkillHouseInstagram: https://www.instagram.com/beerbiceps_skillhouseWebsite : https://beerbicepsskillhouse.inFor any other queries EMAIL: support@beerbicepsskillhouse.comIn case of any payment-related issues, kindly write to support@tagmango.comFollow Nikhil Dwivedi's Social Media Handles:-Instagram: https://www.instagram.com/nikhildwivedi25/?hl=enLinkedIn: https://www.linkedin.com/in/nikhil-dwivedi-7116b520/In this 513th episode of The Ranveer Show, we are joined by Nikhil Dwivedi, a prominent film producer and actor, who shares deep insights into the evolving landscape of Bollywood in 2026. This episode serves as a comprehensive "Film School 101," exploring his journey from the corporate world to acting, and finally becoming a successful producer. We dive into the changing role of a producer, the economics of filmmaking, and what it truly takes to survive in the Indian film industry.In this conversation with Nikhil Dwivedi, we talk about the Role of a Modern-Day Film Producer, the difference between traditional and contemporary production models, and how revenue streams like Digital, Satellite, and Music rights function today. We also understand the financial risks involved in big-budget projects and the mental toughness required to handle public failures.This episode also covers the Budget Breakdown of a Film, the business of Superstars like Shah Rukh Khan, the working cultures of YRF and Dharma Productions, and the impact of AI on the future of cinema. We discuss the essential skills for directors - Storytelling, Aesthetics, and Budget Management - and the reality of casting in the age of social media.This podcast is a valuable resource for anyone interested in Film Production, Direction, Acting, the Business of Cinema, Bollywood Career Advice, and the Future of Storytelling.(00:00) – Start of the episode(00:44) – Role of a Film Producer in 2026(03:22) – Making a Hit on a Low Budget(08:07) – How Shah Rukh Khan Earns Crores(11:38) – Bankruptcy & Failure in Bollywood(14:15) – Advice for Aspiring Filmmakers(17:54) – 16 Must-Watch Bollywood Classics(21:32) – The Future of Ramayan & Animal Park(24:04) – Inside YRF & Dharma Productions(28:40) – Secret Skills of Great Directors(40:19) – Will AI Replace Bollywood Stars?(46:42) – Social Media vs. Real Talent(52:24) – End of the episode#film #movie

David Seaman is one of England's greatest ever goalkeepers, with 75 caps and multiple trophies with Arsenal. In this episode he shares the moments that shaped him, many of which have never been told like this before.David takes us from being released by Leeds United at 19 to walking out for England at the World Cup, opening up about the fear he felt after the Ronaldinho free kick and the untold story of packing Gazza's bags after he was left out of the 98 squad.He also shares his three non-negotiables for any winning culture and a definition of high performance that traces all the way back to a nine year old kid in Rotherham being told to go in goal and never wanting to leave.This is an honest, emotional and powerful conversation about resilience, loyalty and what it really means to love what you do.Revolut Business

The most expensive financial advisor many people will ever have doesn't send an invoice. It doesn't show up on a fee disclosure. It never introduces itself. But it has shaped more financial decisions, and quietly eroded more wealth, than almost any market downturn, bad product, or conflicted advisor ever could. That advisor is fear.  Fear is the most expensive financial advisor you'll ever have because it rarely looks like panic in the moment. It often feels like wisdom, caution, urgency, or responsible planning. And it tends to show up in two forms. There's the fear of losing what you have, driving over-protection, paralysis, and a growing pile of products you can barely explain.  And there's the fear of missing out, driving premature decisions, underestimated risk, and the nagging sense that you need to move before the window closes.  Neither version is obviously destructive from the inside. Both feel like good judgment at the time. https://youtu.be/OY4kzrZGsYU This article isn't an argument against caution, protection, or careful planning. It's an argument for knowing the difference between a decision made from purpose and one made from panic. Because that difference, compounded over years, is enormous. Key takeaways:Fear Is Subjective, and That's Why It's So Hard to AddressHow Financial Fear Gets ManufacturedThe Two Faces of Financial FearWhat Fear-Based Decisions Actually CostThe Opportunity Cost of Displaced CapitalThe Coordination Cost of FragmentationThe Advisory Cost of Fear ManagementThe Confidence Cost Nobody Talks AboutSigns Your Financial Life Is Running on FearThe Antidote Is Clarity of Purpose, Not FearlessnessSafety, Liquidity, and GrowthThe LIFE FrameworkThe Wealth Creator's Cash Flow SystemProtection Is Not Fear, When It's Done RightStart With Clarity, Not FearBook a Strategy CallFrequently Asked QuestionsWhat is fear-based financial decision-making?How does financial fear affect long-term wealth?What is the difference between fear-based planning and prudent planning?What does "clarity of purpose" mean in financial planning?How do I know if my financial advisor is managing through fear?What is the LIFE framework for financial planning? Key takeaways: Fear operates as a financial advisor that most people never identify or fire It appears at both ends of the risk spectrum: loss aversion and fear of missing out Much of the financial marketing ecosystem is designed to manufacture and amplify fear The hidden costs of fear-driven decisions don't appear on any statement Clarity of purpose, not fearlessness, is what replaces reactive decision-making Frameworks like safety/liquidity/growth and the LIFE model transform fear into strategy Fear Is Subjective, and That's Why It's So Hard to Address Financial fear is not a character flaw. I want to be clear about that from the start. It's a real emotional experience, and throwing a spreadsheet at someone who is genuinely afraid does not help them.  That approach respects the numbers, not the person. Behavioral finance research has spent decades documenting this: logic alone doesn't move people out of fear. Education does, but only when the emotion is acknowledged first. Fear is also deeply subjective, which makes it especially difficult to work with. Ask two people how much risk they want to take, use a word like "moderate," and you'll get two completely different answers. And that's before anything has actually happened.  Real risk tolerance isn't revealed on a questionnaire. It's revealed when the market moves, when the headline is bad, when the number on the screen is lower than it was last month. There's a question worth sitting with: if your portfolio could go up $50,000, but you had it positioned too conservatively to capture it, versus if your portfolio simply dropped $50,000, which one would keep you up at night? Neither answer is wrong. But your answer tells you something real about which form of fear has more influence over how you make decisions. Loss aversion and the fear of missing out are both fear. They just feel different from the inside. The goal here isn't to eliminate that fear. That's not possible, and it wouldn't be useful even if it were. The goal is to help you recognize when fear is driving your financial decisions rather than informing them. That recognition, small as it might seem, is where things start to change. How Financial Fear Gets Manufactured Some of the fear you carry is yours. You developed it through experience: a job loss, a market crash, a parent who ran out of money before they ran out of life. That fear is real, and it deserves to be understood on its own terms. But some of the fear in your financial life was handed to you. And it's worth knowing the difference. Much of the financial media and marketing ecosystem runs on fear. Headlines about market crashes, dollar collapse, sequence-of-returns risk, and outliving your retirement savings: these are real concerns, but they're frequently presented in ways designed to provoke a reactive emotional response rather than a considered decision.  Fear sells because it works. Money psychology is clear on this: emotions drive financial action more reliably than information. A financial professional who leads with a terrifying scenario creates urgency. A product that promises to solve that scenario feels essential. Before acting on a financial fear, ask yourself whether it was yours before the conversation. Did you have this concern before you saw the headline, heard the pitch, or sat through the seminar? Or did someone hand it to you? None of this means every financial professional who raises difficult scenarios is acting in bad faith. Many of those scenarios are genuinely worth planning for. But there's a meaningful difference between naming a risk so it can be addressed deliberately and naming a risk to generate anxiety that only one specific product can relieve. The result of a financial life assembled from responses to manufactured fear tends to look the same: a collection of individual products that each solved a specific scary problem, with no one asking whether those products coordinate, complement each other, or serve a single unified strategy.  A friend of mine once described the advice her sister gave every customer at the furniture store where she worked: start with a vision, know what you want the room to feel like, and choose everything together.  Because buying one piece at a time and hoping it comes together almost never produces something coherent. You can furnish a room that way. You just can't furnish a room that works. A financial life built on fear works the same way. The Two Faces of Financial Fear Most people think of financial fear as loss aversion, the fear of markets dropping, money disappearing, and security evaporating. And that version is real. It drives people toward over-protection, toward keeping too much in cash, toward accumulating overlapping insurance products because each one addressed a specific nightmare scenario that someone painted vividly enough. But there's an equally destructive form of fear sitting on the other end of the spectrum - the fear of missing out (FOMO). This is the fear that drives people to retire before their plan can genuinely support it, not because the numbers work, but because they're afraid of missing the active, healthy years of their life.  It's the fear that pushes people toward high-return investments they don't fully understand because everyone else seems to be participating. It's why some people avoid protection strategies entirely: buying life insurance or long-term care coverage feels like an admission of vulnerability they're not ready to make. Imagine it as a bell curve, with loss aversion on one end and FOMO on the other. Neither extreme produces good decisions. The healthy middle is what I'd call abundance thinking: recognizing that money is a replenishable resource, created through relationships, knowledge, and purposeful action. It doesn't ignore risk. It addresses risk from a position of intention rather than anxiety. What Fear-Based Decisions Actually Cost The real expense of fear-driven financial decisions is that almost none of it shows up anywhere you'd look for it. There's no line item. No statement entry. No advisor who sends you an invoice for the cost of reactive decision-making. The costs are real, they compound, and they're almost entirely invisible. The Opportunity Cost of Displaced Capital Every dollar invested in a product purchased out of fear is a dollar that can't be deployed into a more coordinated strategy. If that product carries surrender charges, penalty periods, or reduced liquidity, the cost compounds further. What that capital could have produced in a more purposeful position never appears on any statement. It simply doesn't exist. The Coordination Cost of Fragmentation Fear-driven purchasing happens one product at a time, in response to one scary scenario at a time. The result is strategies that contradict each other: a product purchased to address a tax concern working against an investment approach, a protection strategy drawing capital away from the foundational work that would amplify everything else.  Nobody is watching the whole picture. Nobody has an incentive to. Financial fragmentation is expensive, not because any individual product is wrong, but because nothing is coordinated. The Advisory Cost of Fear Management An advisor who manages primarily through fear has a structural incentive to keep that fear alive. This isn't necessarily malicious, but it's worth recognizing. Fees aren't inherently bad. What matters is whether the fee is buying clarity and coordination, or just temporary relief from anxiety. The Confidence Cost Nobody Talks About This is the most invisible cost of all....

"Keeping Bitcoin running is the primary concern here. Making sure that Bitcoin is available to be used as money by everyday people, any actor who wants to come onto Bitcoin and send one UTXO from one to another. That's the most important piece for me when thinking about defending Bitcoin.And the biggest difference, of course, is that this is a decentralised system. There is no central controller. There's no central control room giving out commands and saying 'this has to change, you must do this.'We are a decentralised group of individuals who are acting on the network. And so the defence of the system is not down to, say, the CEO dictating that everyone has to have their password be 64 characters and change it every three months, which is bad practise, by the way. It's everyone working together to do their part. So that's the biggest difference." ~ Luke de Wolf I sat down with Luke de Wolf to talk about the real security risks facing Bitcoin today. Luke has spent his career protecting critical industrial control systems like oil pipelines and electrical grids. Now, he is taking that hardcore cybersecurity mindset and applying it to the Bitcoin network in his brand new book, *Defending Bitcoin*. And trust me, it is a conversation you need to hear. We spent a lot of time debating the heated topic of arbitrary data and the drama surrounding BIP 110. Should we enforce strict rules to keep the blockchain pure, or is trying to force a chain split a bigger threat to Bitcoin's integrity as money? Luke actually changed his mind on this recently, and he lays out exactly why the stakes could be too high to play games with consensus. His perspective really cuts through the noise and challenges the tribal thinking happening on both sides. But we didn't just stop there. We also get into mining centralization, selfish mining attacks, and why we need to view Bitcoin as high-stakes critical infrastructure. The decisions we make now could determine if this network survives long-term. Guest Links Luke on X (Link: https://twitter.com/lukedewolf) BTCHel's Website (Link: https://btchel.com/) Defending Bitcoin's Website (Link: https://defendingbitcoin.com/) Bitcoin Infinity Show on YouTube (Link: https://www.youtube.com/@BitcoinInfinityShow) Affiliate Links Become sovereign, hold your keys, be censorship resistant with the Bitbox hardware wallet. Get 5% off everything in the store with code GUY (Link: https://bitbox.swiss/) Get 10% off the best Bitcoin board game in the world, HODLUP! Or any of the other great games from The Free Market Kids! Use code GUY10 at checkout for 10% off your cart! (Link: https://www.freemarketkids.com/collections/games-1) (Under construction) Check out the list of products and services I use and recommend on BitcoinAudible.com (Link: https://bitcoinaudible.com/) Host Links ⁠Guy on Nostr ⁠(Link: http://tinyurl.com/2xc96ney) ⁠Guy on X ⁠(Link: https://twitter.com/theguyswann) G... Chapters (00:00:00) - Introduction(00:06:21) - Applying industrial control systems logic to Bitcoin(00:11:29) - Real-world physical system risks and attacks(00:20:15) - Bridging critical infrastructure cybersecurity(00:27:45) - The CIA triad and decentralization(00:32:32) - The arbitrary data and BIP 110 controversy(00:38:28) - Hash rate centralization and mining power(00:46:42) - Data limits and the op_return debate(00:57:56) - Inscriptions as an exploit in Bitcoin script(01:04:16) - Taproot consequences and the problem with Tapscript(01:14:43) - Fee spikes and competing with arbitrary data(01:28:54) - Why enforcing BIP 110 risks a chaotic split(01:42:07) - Bitcoin Core governance issues(01:53:35) - Closing thoughts and where to find Luke

Es war einmal ein fröhlicher Schuster. Bei der Arbeit sang er und nach der Arbeit machte er ein Tänzchen. Eines Tages traf er im Wald bei Mondschein eine kleine, traurige Fee. Sie wollte auch so gern tanzen. Ob ihr der Schuster wohl helfen konnte? Das Sandmännchen hat dir aber nicht nur diese Geschichte mitgebracht, sondern auch noch das Kinderlied "Die Elfe Mirabella" aus der Sendung mit der Maus.

With rising credit card fees, explore whether they are fueling a comeback of writing checks or using cash. Join radio hosts Rebecca Wanner aka ‘BEC' and Jeff ‘Tigger' Erhardt (Tigger & BEC) with the latest in Outdoors & Western Lifestyle News! Small businesses are increasingly scrutinizing credit card processing fees, which can significantly impact profits. While checks and cash haven't made a full comeback, many business owners are looking for ways to reduce payment costs. How Much Do Credit Card Fees Cost?  Most merchants pay between 1.5% and 3.5% per credit card transaction. Example: Auto Body Shop An auto body shop processing $214,000 annually in credit card payments at a 3.5% processing rate would pay approximately $7,500 per year in credit card fees. That's $7,500 that could otherwise be used for employee wages, equipment upgrades, marketing, or business growth. Are Checks Making a Comeback? In some industries, yes. Businesses that handle large invoices—such as contractors, auto repair shops, property managers, and professional service firms—are increasingly encouraging customers to pay by check or bank transfer to avoid processing fees. Checks can save businesses hundreds of dollars on large transactions, though they require more manual processing and can take longer to clear. What About Cash? Cash remains attractive because there are no credit card processing fees and funds are received immediately. However, cash also comes with challenges: Security risks Additional accounting and handling time Customer preference for card payments Many consumers now expect the convenience of paying with a card or mobile wallet. The Real Trend: Lower-Cost Electronic Payments Rather than returning to paper checks, many businesses are encouraging: ACH bank transfers Debit card payments Bank-to-bank payment apps Real-time payment systems These options often cost significantly less than traditional credit card transactions. Passing the Fee to Customers Some businesses are choosing to pass credit card processing fees directly to customers through a surcharge. For example, if a customer pays a $1,000 auto repair bill with a credit card and the processing fee is 3.5%, the customer may see an additional $35 surcharge on the invoice. This allows the business to recover its payment processing costs rather than absorbing them. Financial Literacy The set of skills needed to handle money wisely, invest effectively, and plan for a comfortable future is known as Financial Literacy. Did you know that these concepts can be introduced as early as ages 3 to 5, while foundational money habits are largely set by age 7. Financial education is life long, so start now! OUTDOORS FIELD REPORTS & COMMENTS We want to hear from you! If you have any questions, comments, or stories to share about bighorn sheep, outdoor adventures, or wildlife conservation, don't hesitate to reach out. Call or text us at 305-900-BEND (305-900-2363), or send an email to BendRadioShow@gmail.com. Stay connected by following us on social media at Facebook/Instagram @thebendshow or by subscribing to The Bend Show on YouTube. Visit our website at TheBendShow.com for more exciting content and updates! https://thebendshow.com/ https://www.facebook.com/thebendshow WESTERN LIFESTYLE & THE OUTDOORS Jeff ‘Tigger' Erhardt & Rebecca ‘BEC' Wanner are passionate news broadcasters who represent the working ranch world, rodeo, and the Western way of life. They are also staunch advocates for the outdoors and wildlife conservation. As outdoorsmen themselves, Tigger and BEC provide valuable insight and education to hunters, adventurers, ranchers, and anyone interested in agriculture and conservation. With a shared love for the outdoors, Tigger & BEC are committed to bringing high-quality beef and wild game from the field to your table. They understand the importance of sharing meals with family, cooking the fruits of your labor, and making memories in the great outdoors. Through their work, they aim to educate and inspire those who appreciate God's Country and life on the land. United by a common mission, Tigger & BEC offer a glimpse into life beyond the beaten path and down dirt roads. They're here to share knowledge, answer your questions, and join you in your own success story. Adventure awaits around the bend. With The Outdoors, the Western Heritage, Rural America, and Wildlife Conservation at the forefront, Tigger and BEC live this lifestyle every day. To learn more about Tigger & BEC's journey and their passion for the outdoors, visit TiggerandBEC.com.

I'm always asking questions.  The fun begins when you start researching for answers. Such as…   Why are these major news platforms starting to charge money?  Plus…is help really on the way of it just another saying?   I'm Arroe…  I am a daily writer.  A silent wolf.  I stand on the sidelines and do nothing but watch, listen study then activate.  I call it The Daily Mess.  A chronological walk through an everyday world.  Yes, it's my morning writing.  As a receiver of thoughts and ideas, we as people tend to throw it to the side and deal with it later.  When a subject arrives, I dig in.  It's still keeping a journal!  By doing the research the picture becomes clearer.  This is the Daily Mess…Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-unplugged-totally-uncut--994165/support.

What should you really expect from a financial advisor? Is your advisor acting as a fiduciary, managing risk, helping with taxes, retirement income, estate planning, and behavioral coaching, or just selling products and chasing performance? Richard Rosso & Jonathan McCarty break down the real role of a financial advisor, what services matter most, how advisors are compensated, and the warning signs investors often miss. We also discuss fiduciary standards, portfolio management, communication expectations, financial planning, and why transparency matters more than promises.. Here's a topical rundown of today's show: 0:00 - INTRO 0:33 - Jerome Powell, Kevin Warsh, & CPI Review 3:43 - Employment Numbers & Data Centers 5:28 - What Does Your Advisor Do? 9:34 - What Should You Expect? 13:07 - What Are You Getting vs Giving Up? 16:56 - Looking at Taxes on a Continuum 19:26 -Investment Management is Important 24:37 - Financial Advisors with Open Minds 27:41 - Fixed-cost vs Fee-based Financial Planning 26:15 - How to Deal with Emotional & Cognitive Biases 27:11 - Fiduciaries Focus on Things You Miss 28:30 - Proper Asset Location 30:03 - Fee Transparency - How advisors get paid 31:35 - Red Flag Warnings When Choosing an Advisor 33:11 - What Annuities Do (and Don't Do) 34:44 - Big Firms vs Small Firms - KYC 35:38 - Fee-only vs Fee-based Advisors 36:49 - What Comprehensive Wealth Management Should Look Like Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "The Perfect Planning Experiemce" https://realinvestmentadvice.com/ria-e-guide-library/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/HXafEWQMFuI?feature=share ------- Watch today's "Before the Bell" feature, "Momentum Mania Meets Market Rotation," here: https://youtu.be/bNIRIssbDP8 ------- Watch our previous show, "Inflation Surge Hits Markets?" https://youtube.com/live/UOSeQNOhcwI ------- * REGISTER for our next Candid Coffee, THIS Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialAdvisor #RetirementPlanning #Investing #WealthManagement #Fiduciary

The discussion highlights the staggering ticket prices for the Knicks' potential series-clinching game, with average prices reaching $27,000. They also explore the possibility of a Stefon Diggs reunion in Buffalo and how much influence Josh Allen has over roster moves. The segment ends with reflections on Team USA's World Cup schedule and critiques of broadcast audio levels. 01:00 - Finals Historical Plays 03:06 - Knicks Ticket Prices 08:42 - Team USA World Cup 11:23 - Stefon Diggs Rumors 19:29 - Jaguars Draft Video

https://www.outdoornews.com/wp-content/uploads/2026/06/June-13-long-show.mp3 Tim Lesmeister and Rob Drieslein start the show with their first and mostly positive impressions of the Minnesota DNR's new electronic licensing system, then they share final spring turkey hunting numbers from Minnesota and Wisconsin. Steve McComas, the Lake Detective, visits with Drieslein to talk about lake trends around the region as summer 2026 arrives. Special guest Curtis DeBerg jumps into the show to share the amazing tale of a signed copy of Ernest Hemingway's The Old Man and the Sea found in Rochester, Minn., that made its way to the Nobel Prize Museum in Stockholm, Sweden. Drieslein and Lesmeister wrap up the show hitting a host of topics, including Ron Schara's suggestion that dock owners pay rent on the public water they're covering, plus a couple of intense state conservation officer stories. The post Episode 596 – New ELS impressions, Lake Detective, Hemingway's last written words, dock rental fees? appeared first on Outdoor News.

An influencer just got hit with a $110 cake-cutting fee at a fancy Beverly Hills rooftop spot -- yeah this food TikToker @justinelovesushi brought her own birthday cake to Poza at L'Ermitage, asked staff to slice and serve it for her group of 11, and boom, $10 per person tacked on the bill like some hidden corkage scam nobody bothered to mention upfront. The receipt went mega-viral, the internet lost its mind calling it peak out-of-touch LA nonsense, and the restaurant immediately folded -- full refund, apology for the "miscommunication," and they even slashed the policy to $5 a head going forward -- because nothing screams premium dining like charging you for the privilege of not eating their dessert. Watch the podcast episodes on YouTube and all major podcast hosts including Spotify. CLOWNFISH TV is an independent, opinionated news and commentary podcast that covers Entertainment and Tech from a consumer's point of view. We talk about Gaming, Comics, Anime, TV, Movies, Animation and more. Hosted by Kneon and Geeky Sparkles. Get more news, views and reviews on Clownfish TV News - https://more.clownfishtv.com/ On YouTube - https://www.youtube.com/c/ClownfishTV On Spotify - https://open.spotify.com/show/4Tu83D1NcCmh7K1zHIedvg On Apple Podcasts - https://podcasts.apple.com/us/podcast/clownfish-tv-audio-edition/id1726838629 MORE CLOWNFISH TV - Official Merch Store: http://ClownfishMinus.com Facebook - https://facebook.com/ClownfishTV X - https://x.com/ClownfishTVcom Clownfish TV subreddit: https://www.reddit.com/r/ClownfishTVOfficial/ Disclaimer: This series is produced by Clownfish Studios and WebReef Media, and is part of ClownfishTV.com. Opinions expressed by our contributors do not necessarily reflect the views of our guests, affiliates, sponsors, or advertisers. ClownfishTV.com is an unofficial news source and has no connection to any company that we may cover. This channel and website and the content made available through this site are for educational, entertainment and informational purposes only. These so-called “fair uses” are permitted even if the use of the work would otherwise be infringing. #News #Podcast #FYP #Shorts #CakeCuttingFee #InfluencerDrama #PozaRestaurant #BeverlyHills #ViralReceipt #RestaurantFee #CakeFeeScam #FoodInfluencer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Smaller cafes may be the secret to Starbucks' future growth. Wingstop is bringing back its Boneless Meal Deal. And restaurants are not impressed with a swipe-fee settlement.

On this episode of Community Capital, Rob sits down with Coleen Roulo of Next Stop Fun Travel Advisors to talk about why booking your own vacation online might be costing you more than you think. Colleen breaks down what a travel advisor actually does, why her services are completely free, and why the time to book your bucket list trip is probably sooner than you realize.   Timestamps 00:00 From IT to Travel Advisor 02:44 Why Use a Travel Advisor? 05:00 Planning Trips and Travel Insurance 09:28 Common Bookings and Value 12:26 Beyond the Beaten Path and Contact Website: https://nextstopfun.com/ Show Links Learn more about the Brighton Chamber by visiting our website. Website: https://www.brightoncoc.org/

Where Did My Returns Go? The Cost of Mutual Funds and Annuities The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 Episode Description Time Stamps 00:00 Keep Truckin Intro 01:31 Show Opens Fees 03:22 Mutual Fund Basics 05:46 Share Classes Loads 07:14 Portfolio Fee Transparency 10:05 Tax Drag Distributions 14:01 Constraints Versus Drift 16:29 Managed Accounts Example 21:16 Break Segment Promo 22:05 Inflation Market Pinch 26:09 Mutual Fund Fee Reality 26:38 Annuities Insurance Wrapper 27:27 Index Annuity Caps 30:20 Fixed Annuity Tradeoffs 32:27 Immediate Annuity Inflation 37:32 Commissions And Incentives 40:29 Counterparty Risk Warning 44:30 Final Portfolio Checkup Most investors look at their mutual fund statement, see a return number, and assume that’s the whole story. It isn’t. Fees are deducted before that return ever reaches your statement, which means you could be paying anywhere from a fraction of a percent to well over 1.5% a year without it ever showing up as a line item. In this episode, Tom Dupree and Mike Johnson explain exactly how those costs are built into your returns — and why two people holding what looks like the “same” mutual fund can actually be paying very different amounts. The conversation also digs into a real-world example involving a major fund family, where a change to share class minimums forced a wave of investors to realize years of embedded capital gains — and a hefty tax bill — all at once. From there, Tom and Mike shift to annuities, breaking down how index annuities, fixed annuities, and immediate annuities are each priced, where the commissions come from, and why the financial strength of the insurance company behind the contract matters just as much as the product itself. Whether you’re holding mutual funds inside a 401(k), an IRA, or a taxable account — or you’ve been pitched an annuity recently — this episode gives you the questions to ask before you invest another dollar. “If you don’t know what you own in your portfolio — and why — that’s the first thing worth fixing.” Topics Covered How mutual fund fees get absorbed into your net return instead of appearing as a separate line item The difference between A shares, C shares, and institutional share classes — and why the same fund can cost twice as much depending on which one you hold What a 12b-1 fee is and who actually receives it Why actively managed funds tend to carry higher expense ratios than index funds How capital gains distributions can create a tax bill on gains you never benefited from A real example of how a fund family’s share class changes forced unexpected tax consequences on shareholders Portfolio constraints versus portfolio drift, and why both can work against you Index annuities, fixed annuities, and immediate annuities — how each is structured and where the cost is hidden Why surrender charges exist and how they relate to commissions Counterparty risk: why the insurance company’s own investments matter to your guarantee Key Takeaways Your net return already has the fee built in. Mutual fund statements show what’s left after fees are deducted — not a separate fee line — so two investors holding what looks like the same fund can actually be paying very different amounts depending on share class. Share class matters more than most investors realize. One example discussed in the episode showed a global fund charging roughly 0.8% on its A shares versus 1.8% on its C shares — more than double, for the same underlying portfolio. Tax inefficiency can be just as costly as the stated fee. Because mutual funds are pooled investments, other shareholders’ buying and selling can trigger capital gains distributions you owe taxes on — even if you never participated in those gains. A fund’s holdings can drift far from what you originally bought. Without firm constraints, a manager’s strategy can shift significantly over a few years, leaving you holding something very different from what your original research showed. Annuities are mutual funds wrapped inside an insurance contract — and you pay for both layers. Whether it’s an index annuity’s capped participation rate or a variable annuity’s rider fees, the cost is built into the structure even when it isn’t itemized. Surrender charges exist largely to recoup the seller’s commission. Annuity commissions can run as high as 6–8%, and the multi-year surrender schedule helps the insurance company recover that cost if you withdraw early. The insurance company’s financial strength is part of what you’re buying. An annuity’s guarantee is only as good as the company behind it — and recent industry reporting has noted that some insurers are taking on more investment risk, including exposure to private credit, than before the 2008 financial crisis. Transparency is something you’re entitled to ask for. Whether it’s a mutual fund, an annuity, or a managed account, you have the right to know exactly what you own, what it costs, and where your income is coming from. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Podcast tab. Schedule a Complimentary Portfolio Review If you’re not sure whether the funds or annuities in your portfolio are quietly costing you more than you realize, we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400 | Visit: dupreefinancial.com Dupree Financial Group is a fee-only, fiduciary, SEC-registered Registered Investment Advisor. The information presented in this podcast is for informational and educational purposes only and should not be considered a solicitation for the purchase or sale of any security. Past performance is not indicative of future results. Investing involves risk, including possible loss of principal. Please consult with a qualified professional before making any financial decisions.The post Hidden Fees in Mutual Funds & Annuities | The Tom Dupree Show appeared first on Dupree Financial.

Is there any power left in campaigning? Is university worth it? And what's happened to the World Cup song?Joining Carys is  Pat Younge. Pat is a former Chief Creative Officer for BBC Television production and former President/General Manager of US cable network, Travel Channel Media. Pat served on the board as Non Executive Director of ITV Studios Ltd from 2020-2024 and is the Chair of the Council of Cardiff University. He's also one of the founding members of the Over/Under podcast.Pat and Carys discuss how Elon Musk is using X to abuse his power, the bigger story around David Stroud and harassment law, why universities provide a societal benefit, and how Donald Trump's immigration rules are impacting the FIFA World Cup.Support us on ⁠www.patreon.com/OverTheTopUnderTheRadar⁠ ⁠⁠⁠⁠⁠⁠⁠ - get bonus episodes, a weekly newsletter and become a part of our members-only WhatsApp community.Email us at ⁠⁠⁠⁠⁠⁠⁠info@overunderpod.com⁠⁠⁠⁠⁠⁠⁠Sign up to the newsletter at ⁠⁠⁠⁠⁠⁠⁠⁠http://www.overunderpod.com⁠ ⁠⁠⁠⁠⁠⁠⁠Follow us on all socials @‌over_under_pod_Links:https://news.sky.com/story/the-x-effect-how-elon-musk-is-boosting-the-british-right-13464445https://www.theguardian.com/education/2026/jun/02/shrinking-graduate-premium-sours-views-on-university-poll-shows

In today's BizNews Daybreak: Global markets rallied after President Trump halted planned military strikes against Iran. In South Africa, the Patriotic Alliance clinched a major by-election victory in Malmesbury, weakening established parties. Meanwhile, Alec Hogg unpacked South Africa's overlooked multi-billion rand gold mining fortune. Finally, we highlight Adobe's executive shakeup amid strong AI product demand and rising concerns that steep ticket prices are excluding ordinary soccer fans from the 2026 FIFA World Cup.

Eric Thompson interviews Cyndi Olmstead, owner of Consi Realtors in Oldsmar, Florida, about two powerful business strategies: networking like a Ninja and offering premium service for a premium fee. Cyndi shares how she built a thriving real estate business from scratch after relocating to Florida without an existing sphere. By intentionally immersing herself in networking groups and later refining her focus to the most productive relationships, she created a strong referral-based business and achieved her best year yet. A major component of Cyndi's success is her innovative use of real estate reviews through her local Chamber of Commerce. By combining networking, one-to-many presentations, and personalized real estate reviews, she stays top of mind while providing valuable market information. This system has become a major source of both flow and business. The second half of the conversation focuses on her premium concierge-style listing service. Rather than simply selling homes, Cyndi coordinates and manages everything from home preparation and repairs to downsizing, packing, moving, and settling clients into their next home. By creating a highly differentiated service model, she is able to confidently charge premium fees because the value she delivers is clear, measurable, and deeply appreciated by her clients. Throughout the episode, Cyndi emphasizes knowing your value, building authentic relationships, and creating systems that make it easy for people to work with you. Key Takeaways Networking works best when you focus on groups that align with your interests and produce meaningful relationships Real estate reviews can be an effective networking tool when delivered in a value-driven, educational setting One-to-many presentations create efficient opportunities for both live flow and auto flow Premium fees require premium value, and clients willingly pay more when the service solves significant problems Knowing your value allows you to confidently build a business around your strengths and ideal clients Coaching helps simplify decisions, refine focus, and create a business that fits your personality and goals Memorable Quotes "People see the value that you see in yourself." "It is possible to have a really good business really quickly." "I wanted the award for GCI, not volume." "I had to find a way to make real estate reviews feel natural." "If you're not tied to the outcome of every single thing, it's easier to choose what's right for you." "Know your value." Links: Website: https://ninjaselling.com/ninja-podcast/ Email: TSW@NinjaSelling.com Phone: 1-800-254-1650 Podcast Facebook Group: http://www.facebook.com/groups/TheNinjaSellingPodcast Facebook: http://www.facebook.com/NinjaSelling Instagram: https://www.instagram.com/ninjasellingofficial/ LinkedIn: https://www.linkedin.com/company/ninjaselling Upcoming Public Ninja Installations: https://NinjaSelling.com/events/list/?tribe_eventcategory%5B0%5D=183&tribe__ecp_custom_2%5B0%5D=Public Ninja Coaching: http://www.NinjaSelling.com/course/ninja-coaching/ Cyndi Olmstead: https://concigroup.com/agent/cyndi-olmstead-1

(June 11, 2026) The new Hell’s Angels aka teens on E-bikes. Get ready for the World Cup service fee at your local restaurants. How the U.S. gave up on its history.See omnystudio.com/listener for privacy information.

The news of Texas covered today includes:Our Lone Star story of the day: Texas A&M start its statewide polling like an Aggie joke by putting out wrong numbers. I'll bring you the corrected numbers and you can see the numbers here. Beyond that, we find that the “Platner Paradox” explains much about Texas Dems nominating Little Jimmy “The Creep” Talarico – and excellent read.Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Texas Judges Refusing Same-Sex Weddings Get $950,000 in Fees – good.Even when liberal media people get somethings right, they get basics wrong! They may fix it before you see it but the Dallas Morning News Editorial Board got a foundational fact wrong in their otherwise good editorial on the Texas Tech gambling QB saga. The judge was not a hometown judge but a judge from their patch, Tarrant County. The Sporting News got it right days ago.City of El Paso's environmental franchise fee illegal, appeals court rules – Pickett sued and has won at trial court and the appellate level that the fee is an illegal tax.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

This episode is part of the V.I.P. Method series leading up to my free live workshop:The V.I.P. Path to Your Highest Design Fee: 3 Shifts to Get Seen, Invited, and Paid for Bigger Design ProjectsJoin me live on June 24th at 12 PM Eastern.Register for the free workshop here: luxuryclientacademy.com/vip-method Your highest design fee does not start when the proposal goes out. It starts much earlier — with what you are known for, who is inviting you into the conversation, and how clearly the opportunity is shaped before you ever present a number. In this episode, we're diving into the V in the V.I.P. Method: Visibility. Many designers are showing up, posting, sharing their work, and even getting referrals — but they are not always becoming known for the kind of projects that can actually support bigger fees. Visibility by itself is not enough. The real question is: Are you visible for the right work?Because if people do not know what kind of projects to send you, they may send you anything...or nothing at all. In the next episode, we'll talk about the I in V.I.P.: Invitation.Once you know what you want to be known for, the next question is: who is already near the clients, projects, and opportunities you want?Ready to stop waiting for better opportunities and start creating access to them?Join me for my FREE live workshop, The V.I.P. Path to Your Highest Design Fee, where I'll show you the three shifts that help designers get seen, invited, and paid for bigger design projects.Wednesday 6/24, 12pm Eastern.

Simon Calder, Travel Editor with the (London) Independent

Jake and Damian take stock and draw on five years of conversations with some of the world's highest performers. This episode strips everything back to four questions — the ones that, according to existential psychologist Tatiana Schnell, sit at the foundation of a meaningful life.Does your life add up? Do you feel you matter? Do you have a sense of purpose? And do you truly belong to something bigger than yourself?With clips from Dr Pippa Grange on vulnerability and team culture, rapper Aitch on the person who inspires him most, England Rugby League head coach Shaun Wane on finding purpose through adversity, and Dr Rangan Chatterjee on the hidden epidemic of loneliness, Jake and Damian don't just examine the questions — they answer them honestly.Jake opens up about growing up without a clear sense of purpose, the quiet loneliness of chasing success across jobs, and the moment he realised he had no one to call. Damian reflects on what it means for your life to genuinely cohere.Listen to the full episodes of guests featured:Dr Pippa Grange https://pod.fo/e/10bc10Aitch https://pod.fo/e/27ae56Shaun Wane https://pod.fo/e/259c4Dr Rangan Chatterjee https://pod.fo/e/115f19Revolut Business

In this week's Midweek Mini, we cover several important developments in the points and miles world, including American Airlines' quiet change to partner award bookings, Alaska Airlines' increased partner booking fees, and what these updates mean for travelers. We also discuss the Bilt Palladium card, strategies for maximizing transfer bonuses and monthly credits, recent news involving Qantas and American Express Membership Rewards, and why we're keeping a close eye on Rove Miles. Plus, we share tips for budgeting with gift cards, stacking grocery rewards, and using tools like Instacart to stretch your spending even further.Mentioned in this Episode:Comfrt.com 15% OFFBilt Credit Card ReferralsChase Ink Referral -Mary EllenChase Ink Referral -JoFind Us On Online:Girl's Trip Interest Form (April 7-10, 2027)Summer Road Trip Submissions ARE BACK!Sign Up for the Y! Wonder Travel NewsletterWonderland on Points Youtube ChannelMary Ellen | JoFacebook GroupAffiliate Links:Relief Band - Use code WONDERLAND for 20% off!Seats.AeroCardpointersHalara (use code "Wonderland" for 10% off)Our Favorite Credit CardsOur Favorite Travel NecessitiesWe receive a small commission when you choose to use any of our links to purchase your products or apply for your cards! We SO appreciate when you choose to give back to the podcast in this way!

Expense records show a government minister spent almost $17,000 in airport parking fees over two years. Credit card records show between February 2024 and February 2026 Karen Chhour parked her vehicle at Auckland airport for a combined eight and a half months. That cost taxpayers $16,686. The figures were revealed alongside other MPs spending habits. Former Minister Peter Dunne spoke to Lisa Owen to give more context.

CFP Daniel Flanscha is a financial expert of 40 years who's taking on the claims of The Money Guy Show against infinite banking and whole life insurance. Watch the Interview on Youtube for Visuals - https://youtu.be/5iJ-iQhpcXgWatch The 10 Part Course Here: https://bttr.ly/academic-case Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityLearn More About BetterWealth: https://betterwealth.com In this response video to the Money Guy Show, Daniel Flanscha and Caleb Guilliams walk through 9 points from the Money Guy Show on infinite banking, carefully dismantling what they get wrong or misunderstand about whole life insurance. Chapters: 03:37 - Reaction To the Money Guy Show 07:19 - Point 1: Investment vs. Insurance Silos 09:13 - Point 2: Fees and Commissions 11:22 - Point 3: Misunderstanding Whole Life vs. Universal Life 14:30 - Point 4: Buy Term and Invest The Difference 18:13 - Point 5: The Cost Difference: Term vs. Whole Life 22:34 - Point 6: Permanent Life Insurance and Insurance Products Can Improve Income 27:28 - Point 7: Infinite Banking Makes It Worse 32:06 - Point 8: Deep Dive Into ROR Assumptions 35:17 - Point 9: Code of Competency 36:57 - Recommended Resources and Closing DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Third-party companies slide small charges onto your phone bill every month. Most people never notice. How to get a refund today. Plus, Joan is a landlord who wants to screen tenants without handing over her Social Security number. I walk through how. Learn more about your ad choices. Visit megaphone.fm/adchoices

A federal judge in Boston ruled that the Trump administration lacked the authority to impose a $100,000 fee on H-1B visas, finding that only Congress can levy such a tax. The decision could have major implications for technology companies, hospitals and universities that rely on highly skilled foreign workers. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tom Kelly scaled EVONA from four bootstrapped founders in a tiny Bristol office to eighty recruiters in three years. Then he made the call most agency owners never make. He cut the team back to thirty. And in doing it, per-head revenue doubled.   This is Part 1 of a two-part conversation that pulls apart exactly how that happened.   Brought to you by Atlas. The AI-first recruitment platform that captures every candidate conversation automatically. Atlas customers report 40%+ EBITDA growth and 80%+ increase in monthly billings. Get your exclusive listener offer at recruitwithatlas.com.     Tom came up on the inside track at one of the biggest STEM recruiters on the FTSE. He spotted space as a high-growth vertical before almost anyone, pitched it internally, got shut down, and walked. He linked up with three other recruiters in the same office — Jack, Rich, and Ryan. They sketched the company out on a whiteboard at Tom's place: no KPIs, no fixed working hours, no fixed location, brand-first, give back to STEM. Eight years and over $40 million in fees later, they've stuck to every line of it.   Their first placement was a chef in a Bristol restaurant for £2,000. Hire number two was a head of marketing — a decision every advisor said was crazy. By Tom's read, recruitment and marketing are the same thing. Brand pull beats spam. That bet became the operating philosophy of the entire company.   Then COVID hit and the space industry — recession-proof, Tom argues, because satellites don't get sick — tripled their revenue and headcount. They paid LinkedIn a fortune ahead of a planned scale to three hundred people. They flew the whole company and their partners to Monaco after a million-dollar month. Tom calls that trip the moment the wheels were about to come off.   By 2021 the cracks were showing. Five account managers, thirty fillers, two RPO teams, a full operations and finance bench. Tom describes the peak as a hot mess. So the four founders sat down and made the hardest call of their careers. Contract team first — running $20K a week with no real strategy. Then perm cuts. Then operations. Then the advisors. Tom and the other three didn't pay themselves for six months. He moved his family to the US in the middle of it.   The episode ends on the moment the four founders agreed one of them had to lead, and that person would be Tom. Without ego. The single reason, Tom says, the business is still standing.   Part 2 drops Wednesday — the 25-interview rule that defines elite recruiters at EVONA, and the segmentation that explains why most agency owners are quietly losing 60% of their team.   What You'll Learn:   - Why scaling to 80 recruiters nearly broke the business, and the moment the four founders knew they had to cut to 30 - The pre-COVID hire every advisor told Tom was crazy, and why it became the engine of the company - How EVONA tripled in COVID while most agencies were frozen - The £300,000 company trip Tom now calls a warning sign - What it actually costs to let 50 people go — emotionally, financially, culturally - Why the four founders agreed one person had to take the wheel, and how they made the call without breaking the partnership   Connect with Tom Kelly:   LinkedIn — https://www.linkedin.com/in/evonatom/ EVONA — https://evona.com  

We have all the latest news on the Elliot Anderson transfer Saga! As Manchester City keep pushing!

Iran and Israel halt strikes against each other after the US president got involved. Hear how some Knicks fans feel about President Donald Trump showing up to Game 3 of the NBA Finals. A federal judge blocked the Trump administration's $100,000 application fee for H1-B visas. A lawsuit is trying to put a stop to the UFC fight at the White House. Plus, Apple's new Siri is getting a big AI upgrade. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Andy Wilman is back for round two, bringing his signature blunt honesty as the creative force behind Top Gear, The Grand Tour and Clarkson's Farm. Few people in television have built more iconic shows or stayed more allergic to nonsense while doing it.In this episode, Andy dives straight into the chaos of creation, explaining why building something from scratch forges an unbreakable bond that makes walking away almost impossible. He shares his philosophy on embracing the happy accidents of television and why great content must always start with purpose rather than chasing clicks.Andy also opens up about his personal approach to mental health, arguing that therapy should be treated as routine maintenance rather than crisis management. He tackles authenticity and current affairs too, breaking down how Jeremy Clarkson earned the genuine trust of the farming community and why precision was desperately needed in the recent inheritance tax debate.This is a conversation about the creative process, the power of unfiltered honesty and the hidden structures behind some of the biggest shows in the world.The paperback version of Andy's book: 'Mr Wilman's Motoring Adventure' is available to purchase now: https://www.amazon.co.uk/Mr-Wilmans-Motoring-Adventure-Clarkson/dp/0241788951?ref_=d6k_applink_bb_dls_failedClarkson's Farm 5 is available to watch on Prime Video now.Revolut Business

In today's episode, we dive into one of the most overlooked aspects of running a successful clinic: your payment processing system. I sit down with Jacob Lowe, of Practice Pays, to discuss how most chiropractors are losing thousands—sometimes tens of thousands—of dollars each year to hidden processing fees. Jacob explains how Practice Pays' pricing model can help you keep every penny you earn, eliminate processing fees, and simplify your workflow. Whether you run a cash, insurance, or membership-based practice, this conversation could change the way you get paid, boost your bottom line, and set your business up for long-term success. Learn more about Practice Pays hereSpecial Offers for Listeners: Learn more about Diabetes Reversal Group and become a licenseeTURN YOUR CHIROPRACTIC PRACTICE INTO A 7-FIGURE REVENUE MACHINE: The 'Hybrid Practice Model' That Helps Chiropractors & PTs Generate $40K-$200K Per Month While Taking FEWER AppointmentsSave $500 and Get a Free Cart- Learn more at Shockwave Center of America Today!Leander Tables- Save $1,000 on the Series 950 Table using the code EBC2025 — their most advanced flexion-distraction tableNovoPulse OA Recovery Program- learn more herePatient Pilot by The Smart Chiropractor is the fastest, easiest to generate weekly patient reactivations on autopilot…without spending any money on advertising. Click here to schedule a call with our team.Our members use research to GROW their practice. Are you interested in increasing your referrals? Discover the best chiropractic marketing you aren't currently using right here!

End chaos in your firm—300+ peers use this framework. Free video here: https://www.businessofarchitecture.com/framework If you have ever felt uneasy talking about fees, you are not alone—and that silence may be costing you more than you think. In this episode, Rion Willard explores why pricing sits underneath many of the stress points in an architecture practice, from cash pressure to burnout and the wrong clients. You will hear why "doing great work" is not a pricing strategy, and how a firm can drift into a cycle of undercharging, overdelivering, and thin margins without realizing it. Rion also reframes money as a form of agency and explains what changes when you treat fees as a business system, not a guess, and why small shifts can create outsized leverage. He then lays out a practical framework for premium pricing and hints at the habits that make it work in real firms. If you want more breathing room, stronger teams, and better choices, start here right now. The quiet reason clients "suddenly" fixate on price—and how to stop that game before it starts. The one missing piece that makes fee confidence feel impossible, even when your work is strong. A simple way to tell if your firm is financially healthy—without looking at profit alone.  

You should not pay to get paid. That is the premise behind PaymXnts and once you hear it, you cannot unhear it. Bobby Poole and Clay Weger are serial entrepreneurs who between them have owned paintball parks, international jellyball distribution, and now a payment processing company built by business owners for business owners. When they found out they were paying $30,000 a year in credit card processing fees at one business alone, they went looking for answers. What they found changed how they run every business they own. In this episode we get into why Stripe, Square and PayPal hold your money hostage, how the dual price model puts the processing fee back where it belongs, and what passive money actually means versus passive income for a business owner who wants their time back. Topics covered: - Why business owners pay $30,000 or more a year in fees they do not have to pay - The dual price model — cash vs credit — and why zero customers have complained in 3 years - How PaymXnts charges $49 a month flat and makes the model work - Passive money vs passive income — the distinction that changes how you build a business - How Clay turned Austin Paintball into a fully automated business after 7 years of work - Starting a new business at 58 and why that is actually an advantage - The four steps to turning any owner-dependent business passive: pause, reflect, document, teach - Where AI fits into all of this and where the real opportunity is right now - The PaymXnts brand partner model and how it creates recurring income from referrals Book a strategy call with me: go.vinceperri.com/calendar-page-yt-1 Free Value Clarity Roadmap: go.vinceperri.com/vcr-yt Thank you for being a vital part of our channel

AP's Lisa Dwyer reports that a six figure visa fee has been struck down.

Join me for my FREE live workshop, The V.I.P. Path to Your Highest Design Fee, where I'll show you the three shifts that help designers get seen, invited, and paid for bigger design projects.Wednesday 6/24, 12pm Eastern.

The craziness never stops at Real Madrid, with president Florentino Perez revealing his intention to sign Michael Olise for a club record fee this summer! Fabrizio Romano has the latest news surrounding this rumor and names other players Real Madrid could lure to the Spanish capital in an attempt to return the club to Galactico status, including Vitinha, Joao Neves, Nico Paz, and more!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Our listeners have QUESTIONS about the economy. And we have answers. Today on the show, we look at why horse breeding might be slowing down, why airlines charge baggage fees, and where campaign cash actually goes. Fact checking by Sierra Juarez. Your Next Listen — Can the yield curve still predict recessions? Connect with The Indicator — Sign up for The Indicator's brand new newsletter — Find our socials, YouTube and more! — For sponsor-free episodes, subscribe to NPR+ See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

In a recent episode, the speaker dives into the world of election integrity, discussing the importance of timely and transparent vote counting. The conversation starts with a humorous anecdote about a giveaway, but quickly shifts to a serious discussion about the California election process.The speaker highlights the issue of delayed vote counting in California, where results are expected to be announced 37 days after the election. This is in stark contrast to other countries, such as India, which can count their presidential election results in a single day. The speaker questions the legitimacy of the California system, pointing out that verifying postmarks, a crucial step in the process, can be unreliable. This leads to suspicions of potential malfeasance and raises concerns about the integrity of the election.The speaker also touches on the topic of mail-in ballots, suggesting that voters who are too lazy to cast their ballots in person may not be taking the democratic process seriously. They argue that the delay in counting votes can lead to a cynical electorate, where people begin to question the legitimacy of the outcome. The speaker also shares a personal anecdote about receiving a letter from a company offering protection services after a data breach, highlighting the importance of secure systems.If you're concerned about the integrity of our democratic process, this episode is a must-listen. The speaker delves into the complexities of election systems and the potential pitfalls of delayed vote counting. Join us as we explore the issues and discuss the importance of transparency and accountability in our electoral process.See omnystudio.com/listener for privacy information.

As the cost of living and rent increases, the concept of buying a home feels like a pipe dream to many people living in their 20's and 30's. Financial journalist and author Beth Kobliner's latest edition of her book Get a Financial Life: Personal Finance in Your Twenties and Thirties provides tips for Millennials and Gen Z on how to choose the right bank, avoid excessive fees, and rein in spending based on the latest research. Stock image by mladenbalinovac/E+ via Getty Creative Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Adonis Lockett. Titles: Private Capital Expert, Real Estate Investor, EducatorBackground: Former engineer for NASA, Boeing, Lockheed Martin, CaterpillarHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Adonis Lockett details his transition from aerospace engineering into real estate and private capital, explaining how he built wealth not just by flipping houses—but by operating on “the money side of real estate.” The interview demystifies private lending, access to capital, and how everyday individuals can participate in wealth-building without owning property themselves. Purpose of the Interview The interview aims to: Expose a lesser-known path to real estate wealth—private money and capital brokering. Challenge myths about cash buyers, flipping profits, and bank lending. Educate listeners on leverage and capital access, especially those rejected by traditional banks. Provide a practical alternative income stream that can be part-time or full-time. Introduce Adonis’s “Smart Money Blueprint” as an educational pathway into private capital. Key Themes & Takeaways 1. Engineering Was a Backup—Entrepreneurship Was the Goal Adonis earned a degree in Electrical & Mechanical Engineering, never intending to stay long-term in corporate. His engineering career provided income stability while he explored entrepreneurship. He viewed employment as predictable—but limiting. Takeaway: A high-paying job can fund your exit, not define your destiny. 2. The Leap Into Real Estate—and the Reality Behind It His first deal closed in 62 days, earning more than his annual engineering salary. He quit corporate at age 23, but what followed were four to five years of financial struggle. He survived by borrowing money monthly while peers thrived in corporate roles. Key insight: Early wins can be misleading—longevity requires business mastery, not just intelligence. 3. Ego vs. Education Adonis admits his biggest mistake was underestimating the need to learn business. He relied on intelligence and people skills instead of mentorship and systems. Perseverance saved him—but mentorship could have shortened the learning curve. Takeaway: Hustle without instruction costs time and money. 4. “The Money Isn’t in Real Estate—The Money Is in the Money” This is the core philosophy of the interview. Most “cash buyers” are not using their own cash. Over 70% of cash purchases are funded by private lenders, not banks. Private lenders deploy capital faster, with fewer requirements, and higher flexibility. Key idea: Control the capital, and you control the transaction. 5. Understanding the Private Lending Model Adonis explains how people make money without buying houses: He acts as a capital broker, connecting investors to private lenders. He earns 1–2% fees on loan amounts—often tens of thousands per deal. He carries no risk, no liability, and no capital exposure in many cases. Example:A $600,000 investment loan × 2% = $12,000 fee for facilitating the introduction. 6. Why Private Money Beats Banks Banks require: Credit checks Tax returns Debt-to-income ratios Long approval timelines Private lenders often: Skip credit checks Ignore DTI Deploy funds in 3–5 days Focus solely on deal viability Takeaway: A bank’s “no” is often exactly why private lenders say “yes.” 7. The Smart Money Blueprint Adonis created the Smart Money Blueprint to teach this system: Focuses on the money side of real estate Self-paced education (10+ hours) Hands-on deal execution Live support until students close 10 deals Designed to eliminate costly trial-and-error Core promise: Learn to be “the bank” without needing money. 8. Flipping Isn’t What It Looks Like on TV Adonis breaks down common investor mistakes: Gross profit ≠ net profit Fees, holding costs, and market shifts erase margins Most “$100K flips” net closer to $30K–$40K Lesson: Education protects profits. 9. Relationships Create Wealth—Not Transactions Early in his career, Adonis underestimated relationships. His business scaled once he aligned with high-volume investors and repeat partners. Capital flows through trust networks, not ads. Takeaway: Relationships are currency. 10. Flexible Path to Income The private money model can be: Part-time: 2–4 hours per week Full-time: Income replacement or exponential growth Key point: This is about leverage, not labor. Notable Quotes “The money isn’t in real estate—the money is in the money.” “Most cash buyers aren’t cash buyers at all.” “I was flat broke for years after quitting corporate—people don’t talk about that part.” “A bank’s no is often the reason a private lender says yes.” “Perseverance kept me alive—but mentorship would have saved me years.” “You don’t need money to be the bank—you need knowledge.” Overall Impact This interview reframes real estate success away from property ownership and toward capital intelligence. Adonis Lockett offers listeners a nontraditional, scalable, and low-risk path to wealth—particularly powerful for: Professionals stuck in high-paying jobs Entrepreneurs denied bank loans Real estate investors seeking leverage Individuals looking for alternative income streams Final message: If you understand money, you don’t need to chase property—property comes to you. #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Adonis Lockett. Titles: Private Capital Expert, Real Estate Investor, EducatorBackground: Former engineer for NASA, Boeing, Lockheed Martin, CaterpillarHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Adonis Lockett details his transition from aerospace engineering into real estate and private capital, explaining how he built wealth not just by flipping houses—but by operating on “the money side of real estate.” The interview demystifies private lending, access to capital, and how everyday individuals can participate in wealth-building without owning property themselves. Purpose of the Interview The interview aims to: Expose a lesser-known path to real estate wealth—private money and capital brokering. Challenge myths about cash buyers, flipping profits, and bank lending. Educate listeners on leverage and capital access, especially those rejected by traditional banks. Provide a practical alternative income stream that can be part-time or full-time. Introduce Adonis’s “Smart Money Blueprint” as an educational pathway into private capital. Key Themes & Takeaways 1. Engineering Was a Backup—Entrepreneurship Was the Goal Adonis earned a degree in Electrical & Mechanical Engineering, never intending to stay long-term in corporate. His engineering career provided income stability while he explored entrepreneurship. He viewed employment as predictable—but limiting. Takeaway: A high-paying job can fund your exit, not define your destiny. 2. The Leap Into Real Estate—and the Reality Behind It His first deal closed in 62 days, earning more than his annual engineering salary. He quit corporate at age 23, but what followed were four to five years of financial struggle. He survived by borrowing money monthly while peers thrived in corporate roles. Key insight: Early wins can be misleading—longevity requires business mastery, not just intelligence. 3. Ego vs. Education Adonis admits his biggest mistake was underestimating the need to learn business. He relied on intelligence and people skills instead of mentorship and systems. Perseverance saved him—but mentorship could have shortened the learning curve. Takeaway: Hustle without instruction costs time and money. 4. “The Money Isn’t in Real Estate—The Money Is in the Money” This is the core philosophy of the interview. Most “cash buyers” are not using their own cash. Over 70% of cash purchases are funded by private lenders, not banks. Private lenders deploy capital faster, with fewer requirements, and higher flexibility. Key idea: Control the capital, and you control the transaction. 5. Understanding the Private Lending Model Adonis explains how people make money without buying houses: He acts as a capital broker, connecting investors to private lenders. He earns 1–2% fees on loan amounts—often tens of thousands per deal. He carries no risk, no liability, and no capital exposure in many cases. Example:A $600,000 investment loan × 2% = $12,000 fee for facilitating the introduction. 6. Why Private Money Beats Banks Banks require: Credit checks Tax returns Debt-to-income ratios Long approval timelines Private lenders often: Skip credit checks Ignore DTI Deploy funds in 3–5 days Focus solely on deal viability Takeaway: A bank’s “no” is often exactly why private lenders say “yes.” 7. The Smart Money Blueprint Adonis created the Smart Money Blueprint to teach this system: Focuses on the money side of real estate Self-paced education (10+ hours) Hands-on deal execution Live support until students close 10 deals Designed to eliminate costly trial-and-error Core promise: Learn to be “the bank” without needing money. 8. Flipping Isn’t What It Looks Like on TV Adonis breaks down common investor mistakes: Gross profit ≠ net profit Fees, holding costs, and market shifts erase margins Most “$100K flips” net closer to $30K–$40K Lesson: Education protects profits. 9. Relationships Create Wealth—Not Transactions Early in his career, Adonis underestimated relationships. His business scaled once he aligned with high-volume investors and repeat partners. Capital flows through trust networks, not ads. Takeaway: Relationships are currency. 10. Flexible Path to Income The private money model can be: Part-time: 2–4 hours per week Full-time: Income replacement or exponential growth Key point: This is about leverage, not labor. Notable Quotes “The money isn’t in real estate—the money is in the money.” “Most cash buyers aren’t cash buyers at all.” “I was flat broke for years after quitting corporate—people don’t talk about that part.” “A bank’s no is often the reason a private lender says yes.” “Perseverance kept me alive—but mentorship would have saved me years.” “You don’t need money to be the bank—you need knowledge.” Overall Impact This interview reframes real estate success away from property ownership and toward capital intelligence. Adonis Lockett offers listeners a nontraditional, scalable, and low-risk path to wealth—particularly powerful for: Professionals stuck in high-paying jobs Entrepreneurs denied bank loans Real estate investors seeking leverage Individuals looking for alternative income streams Final message: If you understand money, you don’t need to chase property—property comes to you. #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.